Cheapest Car Insurance Quotes in Oconomowoc

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Oconomowoc Car Insurance

^$ 18

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Oconomowoc

The car insurance rate in Oconomowoc is $623 for a six-month policy, which is $54 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $257, making it a popular choice for budget-conscious drivers. Rates in Oconomowoc can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Oconomowoc

$623

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Oconomowoc

1st place: AAA

At $257 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $383 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $420 for six months, making it the third cheapest auto insurance company in Oconomowoc.

Oconomowoc Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oconomowoc, WI is AAA, offering policies at just $257 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $383.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $699 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oconomowoc drivers find the best deals.

Cheap Car Insurance Companies in Oconomowoc, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$257	$43
West Bend Mutual	$383	$63
IMT Insurance Company	$420	$72
Auto-Owners Insurance Co	$426	$71
Chubb	$437	$75
Acuity	$470	$79
American Family	$476	$80
Travelers	$487	$82
Erie	$569	$96
USAA	$661	$111
Rockford Mutual	$694	$118
Nationwide	$749	$126
Rural Mutual	$771	$131
State Farm	$771	$130
Progressive	$902	$152
Farmers	$961	$160
Allstate	$1115	$188
Secura	$591	$98
Hastings Mutual	$699	$119

Key Takeaways

Way's key takeaways about car insurance in Oconomowoc

The auto insurance costs in Oconomowoc fall around $257 for six months.
The cheapest auto insurance company in Oconomowoc is AAA.
Teen drivers pay the highest rate in Oconomowoc at $588 per month.

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Cheapest Minimum Liability Car Insurance in Oconomowoc

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Oconomowoc are given below.

AAA provides the cheapest minimum car insurance coverage in Oconomowoc. Their Average 6 Month Premium is $109. Secura is the most expensive at $147 for the same period.

Cheapest Liability Coverage in Oconomowoc, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$109	$18
Rural Mutual	$121	$20
Western National	$132	$22
Erie	$147	$25
USAA	$158	$27
West Bend Mutual	$164	$28
Auto-Owners Insurance Co	$169	$29
Acuity	$175	$29
American Family	$180	$30
Travelers	$180	$30
Progressive	$186	$31
Chubb	$191	$32
State Farm	$208	$35
Farmers	$322	$55
Allstate	$426	$72
Secura	$147	$25

Cheapest Full Coverage Car Insurance in Oconomowoc

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Oconomowoc is AAA at $43 per month and $257 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oconomowoc, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$257	$43
West Bend Mutual	$383	$63
IMT Insurance Company	$420	$72
Auto-Owners Insurance Co	$426	$71
Chubb	$437	$75
Acuity	$470	$79
American Family	$476	$80
Travelers	$487	$82
Erie	$569	$96
USAA	$661	$111
Rockford Mutual	$694	$118
Nationwide	$749	$126
Rural Mutual	$771	$131
State Farm	$771	$130
Progressive	$902	$152
Farmers	$961	$160
Allstate	$1115	$188
Secura	$591	$98
Hastings Mutual	$699	$119

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Average Car Insurance in Oconomowoc by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Oconomowoc, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Oconomowoc, Wisconsin, may be increasing due to several external factors. Wisconsin has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oconomowoc's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oconomowoc

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$441
30s	USAA	$354
40s	USAA	$321
50s	USAA	$305
60s	USAA	$317
70s	USAA	$391

Cheapest Car Insurance Rates for Teen Drivers in Oconomowoc,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Oconomowoc at $30 per month. At $3525 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$180	$30
Travelers	$186	$31
Auto-Owners Insurance Co	$213	$36
Western National	$213	$36
West Bend Mutual	$240	$40
USAA	$792	$133
Erie	$814	$137
American Family	$983	$166
Acuity	$1498	$252
State Farm	$1727	$291
Progressive	$2492	$420
Allstate	$3284	$553
Farmers	$3525	$588

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Oconomowoc.

As young drivers face the highest rates in Oconomowoc, USAA offers the cheapest auto insurance rates at $441 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Oconomowoc, Western National is the cheapest car insurance provider. At $137 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Oconomowoc is Allstate, offering rates of around $1694 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$137	$23
AAA	$153	$26
West Bend Mutual	$197	$33
Chubb	$219	$37
IMT Insurance Company	$219	$37
Travelers	$257	$43
Acuity	$541	$91
American Family	$623	$105
State Farm	$667	$111
Erie	$721	$121
Progressive	$842	$142
Allstate	$1694	$288

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Save up to $971/yr on car insurance rates in Oconomowoc.

Car Insurance Rates with An Accident in Oconomowoc

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Oconomowoc, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oconomowoc

The cheapest car insurance companies after an at-fault accident in Oconomowoc include Western National and Rural Mutual, offering $137 and $158, respectively. Allstate is an expensive provider with an average six-month premium of $1662.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$137	$23
Rural Mutual	$158	$27
Auto-Owners Insurance Co	$208	$35
AAA	$213	$36
Chubb	$219	$37
Travelers	$219	$37
West Bend	$229	$39
West Bend Mutual	$273	$47
Auto-Owners	$284	$47
Erie	$437	$74
USAA	$437	$74
American Family	$661	$111
Acuity	$694	$117
State Farm	$699	$118
Farmers	$1322	$221
Progressive	$1470	$247
Allstate	$1662	$280

Oconomowoc Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oconomowoc WI. For example, the car insurance in Oconomowoc after a DUI increases to $727 for a six month policy. While the rate increases by $159 for a six-month policy in the case of a speeding ticket.

Oconomowoc auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$781	$131
One Med/PIP claim	$787	$133
Not-at-fault accident	$820	$137
One comp claim	$831	$142
Two Med/PIP claims	$842	$140
Failure to show documents	$853	$145
Driving with expired registration	$874	$145
Failure to wear a seat belt	$880	$150
Two comp claims	$896	$149
Driving without lights	$929	$158
Child safety restraint	$935	$155
Speeding 6 - 10 MPH over limit	$940	$160
At-fault accident - less than $1000	$951	$158
Cell phone violation	$957	$163
Driving too slowly	$961	$160
Failure to yield	$961	$164
Speeding in school zone	$961	$160
Illegal turn	$967	$165
Speeding 11 - 15 MPH over limit	$967	$161
Speeding 16 - 20 MPH over limit	$967	$165
Texting while driving	$967	$161
Wrong way/wrong lane	$967	$165
Failure to stop at a red light	$978	$163
Following too closely	$978	$167
Improper passing	$1006	$167
Passing school bus	$1022	$174
In 65 MPH zone	$1076	$179
At-fault accident - $1000-$2000	$1121	$190
Speeding 21 - 25 MPH over limit	$1121	$187
Operating a vehicle without permission	$1126	$191
At-fault accident - greater than $2000	$1132	$189
Open container	$1142	$194
Reckless driving	$1476	$246
Racing	$1481	$252
Refusal to submit to a chemical test	$1492	$248
Driving with a suspended license	$1498	$255
Leaving scene of an accident/hit and run	$1503	$250
DUI	$1508	$257

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Oconomowoc after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Oconomowoc.

The cheapest car insurance premiums in Oconomowoc are offered by Western National at $137 for a six-month policy. However, it can be as expensive as $1328 with companies like Allstate.

Oconomowoc car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$137	$23
Chubb	$219	$37
Travelers	$257	$43
West Bend	$306	$51
Kemper	$312	$53
USAA	$574	$97
Erie	$595	$100
American Family	$678	$114
Progressive	$814	$137
State Farm	$874	$147
Farmers	$1273	$216
Acuity	$1284	$214
Allstate	$1328	$224

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Oconomowoc are offered by Western National at $137. However, it can be as expensive as $1235 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oconomowoc after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$137	$23
AAA	$175	$29
Auto-Owners Insurance Co	$191	$32
Travelers	$213	$36
Chubb	$219	$37
West Bend Mutual	$251	$42
Erie	$388	$65
State Farm	$454	$76
American Family	$459	$77
Acuity	$546	$92
Progressive	$721	$121
Allstate	$1235	$210

Car Insurance Price Trends in Oconomowoc, Wisconsin

Car insurance rates in Oconomowoc have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Oconomowoc rose by $115 in December compared to $112 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Oconomowoc rose to $31 in December, compared to $29 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Oconomowoc?

The car insurance in Oconomowoc is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Oconomowoc?

The cheapest car insurance in Oconomowoc is $43 per month for full coverage.

How much is car insurance in Oconomowoc for teenagers?

Car insurance for teenagers costs $180 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Oconomowoc?

The average cost of car insurance is $677 for a six-month policy. It will cost around $105 per month to insure your car in Oconomowoc.

Is car insurance expensive in Oconomowoc?

Car insurance can be expensive in Oconomowoc if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oconomowoc can be affordable.

Cheapest Car Insurance Quotes in Oconomowoc

Why you can trust Way?

How Much Is Car Insurance in Oconomowoc

Avg. Car Insurance in Oconomowoc

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Oconomowoc

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Oconomowoc Car Insurance Rates by Company

Cheap Car Insurance Companies in Oconomowoc, WI

Way's key takeaways about car insurance in Oconomowoc

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oconomowoc

Cheapest Liability Coverage in Oconomowoc, WI

Cheapest Full Coverage Car Insurance in Oconomowoc

Cheapest Full Coverage Car Insurance Quotes in Oconomowoc, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oconomowoc by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oconomowoc, WI increasing?

Car Insurance Premiums by Age in Oconomowoc

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oconomowoc,WI

If you are in your twenties USAA is the best choice for car insurance in Oconomowoc.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Oconomowoc

Cheapest Car Insurance Companies after an At-Fault Accident in Oconomowoc

Oconomowoc Car Insurance Rates by Violation

Oconomowoc auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oconomowoc after a DUI

Oconomowoc car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oconomowoc after Speeding ticket

Car Insurance Price Trends in Oconomowoc, Wisconsin

Average Car Insurance Cost in Oconomowoc by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oconomowoc, WI

Car Insurance Rates by State in the USA (2025 Update)

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